Kenneth Gallagher is a CFP® with 24 years of industry experience, currently serving at Commonwealth Financial Network. He previously worked at Northwestern Mutual in various roles from 2002 to 2024 before joining Duthie & Gallagher Wealth Management. Outside of his advisory work, he serves as a trustee for a family trust that manages residential real estate investments. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser supporting a national network of approximately 2,900 advisors. The firm offers a broad platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Benjamin Wada is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding Series 65 and Series 66 licenses and 25 years of industry experience. His prior roles include positions at Householder Group Estate & Retirement Specialists and LPL Financial. He is also an insurance agent with SB Group, Inc. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm employs a strategic investment approach combining passive and active management, supported by an internal Investment Committee and quantitative and fundamental research.

Douglas Eaton is a financial advisor with Morgan Stanley in Brea, California, holding a Series 63 designation and bringing 38 years of industry experience. He has been with various Morgan Stanley entities since 1998, including Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by structured discovery processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and offers services through Financial Advisors and its Estate Planning Strategies Group.

Kenneth Ibbetson is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 25 years of industry experience. His prior work includes positions at Morgan Stanley and Citigroup Global Markets. Outside of his advisory role, he owns a business called Nature's Realm. Wells Fargo Advisors serves individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research and analytics to support its investment approach.

Huan Bin Lee is a Series 66-credentialed financial advisor with 27 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, Wells Fargo Clearing, and Merrill. He is currently based in Brea, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a broad range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Rocio Mercado is a financial advisor with Merrill in Claremont, CA, holding a Series 66 designation and six years of industry experience. She has been affiliated with Bank of America N.A. and Merrill since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Cheryl Hayden Rambeau is a financial advisor with UBS Financial Services in Los Angeles, holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. She has been with UBS since 2008. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research, model-based asset allocations, and institutional trading capabilities to tailor financial plans and portfolio management.

Benjamin Ling is a financial advisor with UBS Financial Services in Brea, California, holding a Series 66 designation and 22 years of industry experience. He has been with UBS since 2015. Outside of his advisory role, Ling serves on an advisory committee for the Taiwanese American Citizens League, providing guidance to national and local boards. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, leveraging proprietary research and model-based asset allocations to tailor strategies aligned with clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services and offers a broad range of financial products and capital markets services.

Alex Basmadjian is a Financial Consultant at Fidelity Investments, focusing on developing tailored financial plans that align with clients' personal and long-term financial objectives. His professional experience includes roles as a Portfolio Specialist and Investment Management Consultant at Fidelity Investments from 2022 to 2023, and an Investment Solutions Representative from 2021 to 2022. Prior to that, he served as a Relationship Manager at Bank of America between 2020 and 2021, and as a VP, Client Services Manager at Community Bank from 2016 to 2018. His expertise encompasses asset management, retirement and income planning, and tax-efficient investment strategies. He holds a California Insurance License, which supports his advisory capabilities. Outside of his professional work, Alex enjoys concerts, family activities, music, reading, and traveling.

Andres Han is a financial advisor with LPL Financial in Rancho Cucamonga, CA, holding Series 63 and Series 66 registrations and 14 years of industry experience. He has worked with SchoolsFirst FCU since 2014 and joined LPL Financial in 2022. His work includes a significant role at SchoolsFirst FCU, where he is actively involved as a financial institution advisor. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Amanda Smithberg Urban is a Series 66-licensed financial advisor with Ameriprise, based in Riverside, CA, with 20 years of industry experience. Her career includes roles at Morgan Stanley and LPL Financial before joining Ameriprise in 2011. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning through comprehensive recommendation reports and ongoing advice. The firm's approach combines proprietary research and third-party data, emphasizing tax-aware withdrawal strategies and dependable income sources for clients approaching or in retirement.

Mike Mc Coy is a financial advisor with Ameriprise who holds a Series 63 designation and has 37 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of his advisory work, he is involved in commercial real estate ownership. Ameriprise provides retirement-income planning services focused on individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Arturo Centeno is a financial advisor with J.P. Morgan Securities in Riverside, CA, holding a Series 66 designation and 22 years of industry experience. He has worked with several major firms including Morgan Stanley and Citigroup before joining J.P. Morgan in 2009. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary advisory program.

Casey Reyna is a financial advisor at LPL Financial with one year of industry experience. He holds a Series 66 designation and has worked previously at FedEx Ground and through various educational roles before joining LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to various model portfolios and third-party asset managers.

Brenda Navarro is a financial advisor with Wells Fargo Clearing holding Series 65 and Series 63 licenses and has two years of industry experience. Prior to joining Wells Fargo, she worked at American Air Balance Co. and A & B Hotel Management. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Kyle Bacskai is a financial advisor at Wells Fargo Clearing with Series 65 and Series 63 licenses and one year of industry experience. His prior work includes roles at Mora Financial, Northwestern Mutual, and EssilorLuxottica, as well as positions in education at California State Polytechnic University, Pomona, and Chino Hills High School. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs over 14,000 advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Leslie Coulson is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 31 years of industry experience. Coulson has worked at various firms, including Centaurus Financial and Fragasso Wealth Advisors, and maintains an active role outside of advisory services as a notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services, utilizing both proprietary and third-party strategies, supported by advanced advisor tools.

Carlos Guerrero is a Series 66-licensed financial advisor with 13 years of industry experience. He currently works at J.P. Morgan Securities and has prior experience at Merrill, Bank of America, and Edward Jones. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a select group of advisors. Their non-discretionary program focuses on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a manager solutions team.

Travis Bartsch is a financial advisor with OSAIC, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. His prior roles include positions at Woodbury Financial Services, American General Financial Advisors, and Valic Financial Advisors. Outside of his advisory work, he operates a fixed insurance agency. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering a multi-advisor platform with brokerage and advisory services. The firm uses a model-based investment approach with portfolio optimization tools and supports a variety of managed account strategies.

Ruby Herrera is a Certified Financial Planner (CFP®) and holds a Series 66 license with 17 years of industry experience. She has been with UBS Financial Services since 2007. Outside of her advisory role, she is involved with Le-Vel, a privately held company. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.